How to set up your account ?

You must subscribe to the "Tokenisation by schemes" option: please contact the Payline support team to update your subscription.

Consult the configuration on the Monext Online backoffice : Tokenisation configuration.

To activate a Scheme tokenisation service, you must enter a CLIENT APP ID and then request activation from Visa or Mastercard by clicking on Activate to receive a TRID.

How to integrate when the merchant delegates the management of the Card On File to Monext ?

This concerns merchants who use the Monext wallet.

Merchants who register cards or tokenPANs (=Monext tokens) in their own information system do not fall into this category.
They have to refer to the case "the merchant manages his own Card On File".

Tokenisation of a card without payment

This service allows a buyer to request the enrolment of his card in his wallet or to create a wallet if one does not exist.

You can use the Payline API 

• in web page mode with the manageWebWalletRequest service
• in direct mode with the createWalletRequest service

Tokenisation of a card during a payment 

The cardholder wishes to register his card in the merchant's wallet when he makes a first payment.
In this case, the payment is made with the card data and the wallet is created for future purchases.

You can use the Payline API :

• in web page mode with the  doWebPayment  service functions

Payment with a previously tokenised card

This use case corresponds to the payment request via a card already enrolled in VTS (Visa Token Service) or M4M (MDES for Merchants).

You can use the Payline API :

• in web page mode with the doWebPayment service functions 
• in direct mode with the wallet functions of the doImmediateWalletPayment service

Payment with a previously tokenised card

This use case corresponds to the payment request via a card already enrolled in VTS (Visa Token Service) or M4M (MDES for Merchants).

You can use the Payline API :

• in web page mode with the doWebPayment service functions.
• in direct mode with the wallet functions of the  doImmediateWalletPayment service.

Updating card information from Payline

This use case corresponds to a request to delete and update the card in the wallet.
This request is forwarded via Payline to the Token Requestor in the form of a suspension or update of the card in the wallet.

You can deactivate a wallet and its token, simply by deactivating the wallet: see Wallet Payment backoffice

How to integrate when the merchant manages his own Card On File ?

Making a payment with a token

To make a payment with network token when the merchant does not use the Monext wallet:

1. Prerequisite: the merchant must first :
   
   
   1. Integrate a Token Requestor, allowing him to access VTS and M4M.
   2. Register with the networks and have a TRID for each.
      
      
2. The merchant makes an authorisation request with the token with the doAuthorization service as described below.
   
   
   1. For a buyer initiated transaction (CIT):
      1. Ask his Token Requestor to generate a cryptogram to seal the transaction.
      2. Provide this cryptogram in the card.tokenRequestorCryptogram  field.
         
         
   2. For a Merchant Initiated Transaction (MIT):
      1. Provide additional information in the card object below.

Web services

Authorisation requests work with a network token in the card.number :

• doAuthorization  with additional information in the card object when requesting authorisation with a network token:

(*) Mandatory ; Optionnal ; Conditionnal

Brand choice

Backoffice

Wallet: you can view the updated card in a wallet as soon as it is tokenised.

Transaction: you can find the information in the transaction details, the token and the PAN type indicator = "SCHEME TOKEN" in the card block:

How to perform tests ?

The cards eligible for tokenisation:

• in direct mode: see the test cards.

Return codes

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